1229 Kirk Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 1229 Kirk Ln, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,745 sqft · built 2018
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Jun 2018)
Tax Bill	$7,288 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-17-149-025-000`

Property Details

APN / Parcel Number

Primary APN	`08-17-149-025-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,745 sqft Living Area
1st Floor Area	1,745 sqft
Basement Area	1,745 sqft
Unfinished Basement	1,745 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	13,939 sqft (0.32 acres)
Garage Area	751 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1229 KIRK LN
City	WATERLOO
State	IL
Zip	62298-1901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 25 REMINGTON RIDGE PHASE 1
Legal Range	09W
Legal Township	02S
Legal Section	17
Legal Subdivision	REMINGTON RIDGE
Legal Lot Number	25
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	4
Census Block	4023
Census Tract	600401

Owner

Source: Monroe County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1229 KIRK LN, WATERLOO, IL 62298-1901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jun 1, 2018	Warranty Deed, Transfer · Conventional Mortgage CITIZENS COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2018 · Amount on Record
Deed Sale	Jun 1, 2018 · Amount on Record
Deed Document Number	2018396165
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1229 KIRK LN, WATERLOO, IL 62298-1901
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000413441
Date	Dec 17, 2020
Instrument	413441

Lender

Name	GUARANTEED RATE INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jun 1, 2018
Property Address	1229 KIRK LN, WATERLOO, IL 62298-1901
Document Number	0000396165
Map Reference	DOC 381527
Instrument Date	May 30, 2018
Instrument	396165
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Tax	$427.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1229 KIRK LN, WATERLOO, IL 62298-1901

Mortgage

Document Number	0000396166
Date	Jun 1, 2018
Instrument	396166

Lender

Name	CITIZENS COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Municipality	Waterloo City
Unified School District	Waterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,288.00 (+9.94%) Homeowner's exemption	$125,200 (+26.1%) Land $17,050 Building $108,150	$375,600 (+26.1%) Land $51,150 Building $324,450
2024	$6,629.00
2022	Additional exemption filed	$99,290 Land $15,570 Building $83,720	$297,870 Land $46,710 Building $251,160

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Harrisonville Telephone Company Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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